Company Number: 13524879

Analysis Date: 2025-07-20 11:16 UTC

1. Credit Opinion: DECLINE
   RAMPS SOLUTIONS LTD shows a weakening financial position with net liabilities as of the last financial year end (July 2024). The company’s net current assets and net assets have deteriorated from positive figures in previous years to negative values (£-831), indicating that current liabilities exceed current assets. The absence of employees and the negative equity position raise concerns about the company’s ability to generate sufficient operating cash flow to service any new debt or credit facilities. The company is relatively new (incorporated in 2021) and operates in a sector (general medical practice activities) which often requires stable financial footing. Current financials suggest insufficient financial resilience and limited capacity to withstand economic setbacks. Given this profile, credit exposure would be high risk.

2. Financial Strength:
   The balance sheet evidences limited financial strength. Cash balances have increased modestly from £754 in 2023 to £3,972 in 2024, but this is insufficient to cover current liabilities of £4,803. Shareholders’ funds are negative (£-831), reflecting accumulated losses in the profit and loss reserve. The company holds no fixed assets or other significant non-current assets to support borrowing. Overall, the capital base is weak, and the company is technically insolvent on a net asset basis.

3. Cash Flow Assessment:
   Liquidity is tight with a current ratio below 1 (current assets less than current liabilities). Although cash increased slightly, net current assets are negative, demonstrating working capital deficiency. The accounts indicate zero employees, which may imply limited operational activities or outsourcing, but the lack of operating profit data combined with negative equity suggests cash flow generation is insufficient. The company’s ability to meet short-term obligations or withstand payment delays is questionable.

4. Monitoring Points:

• Monitor future filings for improvements in net assets and working capital, especially if turnover and profitability improve.
• Watch cash flow statements (if available) for positive operating cash flow trends.
• Track any changes in management or business model that could improve financial resilience.
• Evaluate any new capital injections or shareholder funding to restore equity.
• Keep an eye on overdue payments or creditor pressures that may precipitate financial distress.